I do not currently use a financial advisor, but I have researched them. I am pretty smart, but I in no way feel competent at making good investment choices, so I have looked for experts. The ones I looked at typically charged 1% of the total value they were managing, which is kind of a ripoff. I think they should be paid for how much they grow my investment, not how much I invest.
First off, do not use anyone you do not pay. If they do not work for you, then they get paid by commission on sales. Which makes them sales people and do not have your interests at heart. Now that Glass-Stegal was killed and banks can also do investments, your bank will off "free" financial advice. Do not use them. They are liars pushing a product, trying to steal your money.
Second, I have learned that even experts know nothing. There is a link somewhere in this forum to an article by a statistician who found that trader performance is just about completely random. His point was that giving them huge bonuses was stupid, since one year the trader might be #1, and the next he might be dead last. So, you might Do as well letting a chicken pick your stocks at random.
I suggest you pick a couple of mutual funds based on risk and just leave them alone. They fluctuate. Some years are great, some are losses. Over time, though, there is growth. If it looks like the fund is going tits up, then act. Otherwise, do not panic.